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NAIC Model Laws, Regulations and Guidelines

All of the below publications are available as electronic files to download.

Unwatermarked reporting forms from several NAIC model laws and regulations are available for free download in PDF file format from the NAIC. Click HERE to link to the NAIC Library. The PDF files are posted in the “NAIC Forms” section under the “Other Resources” heading.

VOLUME I

ACCIDENT AND HEALTH INSURANCE

Health Insurance Reserves Model Regulation MDL-10
Health Carrier Prescription Drug Benefit Management Model Act MDL-22
Standardized Health Claim Form Model Regulation MDL-30
Health Carrier Claim Audit Guidelines Model Act MDL-32
Small Employer and Indivdual Health Insurance Availability Model Act MDL-35
Individual Market Health Insurance Coverage Model Act MDL-36
Indivdual Health Insurance Portability Model Act MDL-37
Model Regulation to Implement the Individual Health Insurance Portability Model Act MDL-38

 

ACCIDENT AND HEALTH INSURANCE CONSUMER PROTECTION

Advertisements of Accident and Sickness Insurance Model Regulation MDL-40
Prohibition on the Use of Discretionary Clauses Model Act MDL-42
Health Information Privacy Model Act MDL-55

 

ACCIDENT AND HEALTH INSURANCE DELIVERY SYSTEMS

Prepaid Limited Health Service Organization Model Act MDL-68
Health Care Professional Credentialing Verification Model Act MDL-70
Quality Assessment and Improvement Model Act MDL-71
Health Carrier Grievance Procedure Model Act MDL-72
Utilization Review and Benefit Determination Model Act MDL-73
Managed Care Network Adequacy Model Act MDL-74
Health Carrier External Review Model Act MDL-75
Uniform Health Carrier External Review Model Act MDL-76
Medical Professional Liability Closed Claim Reporting Model Law MDL-77
The Single Health Care Voluntary Purchasing Alliance Model Act MDL-78
The Regional Health Care Voluntary Purchasing Alliance Model Act MDL-80
The Private Health Care Voluntary Purchasing Alliance Model Act MDL-82
Model Health Plan for Uninsurable Individuals Act MDL-85
Stop-Loss Insurance Model Act MDL-92
Discount Medical Plan Organization Model Act MDL-98

 

VOLUME II

ACCIDENT AND HEALTH INSURANCE GROUP REGULATION

Group Health Insurance Definition and Group Health Insurance Standard Provisions Model Act MDL-100
Group Health Insurance Mandatory Conversion Privilege Model Act MDL-105
Small Group Market Health Insurance Coverage Model Act MDL-106
Nondiscrimination in Health Insurance Coverage in the Group Market Model Regulation MDL-107
Group Coverage Discontinuance and Replacement Model Regulation MDL-110
Small Employer Health Insurance Availability Model Act (Prospective Reinsurance With or Without an Opt-Out) MDL-118
Model Regulation to Implement the Small Employer Health Insurance Availability Act
(Prospective Reinsurance With or Without an Opt-Out)
MDL-119
Coordination of Benefits Model Regulation MDL-120

 

ACCIDENT AND HEALTH INSURANCE RATE AND POLICY STANDARDS

Guidelines for Filing of Rates for Individual Health Insurance Forms MDL-134
Noncancelable and Guaranteed Renewable Terminology Defined MDL-139
Off-Label Drug Use Model Act MDL-148
Newborn and Adopted Children Coverage Model Act MDL-155
Health Policy Rate and Form Filing Model [Act] [Regulation] MDL-165
Accident and Sickness Insurance Minimum Standards Model Act MDL-170
Model Regulation to Implement the Accident and Sickness Insurance
Minimum Standards Model Act
MDL-171
Uniform Individual Accident and Sickness Policy Provision Law (UPPL) MDL-180
Restatement of UPPL in Simplified Language MDL-185
Regulation for Uniform Definitions and Standardized Methodologies for Calculation of the Medical Loss Ratio for Plan Years 2011, 2010 and 2013 per Section 2718(b) of the Public Health Service Act MDL-190

 

ACCOUNTING

Separate Accounts Funding Guaranteed Minimum Benefits Under Group Contracts Model Regulation MDL-200
Annual Financial Reporting Model Regulation MDL-205

 

AGENTS/BROKERS/PRODUCERS

Producer Licensing Model Act MDL-218
Prevention of Illegal MEWAs and Other Illegal Health Insurers Model Regulation MDL-220
Authorization for Criminal History Record Check Model Act MDL-222
Managing General Agents Act MDL-225
Public Adjuster Licensing Model Act MDL-228
Title Insurance Agent Model Act MDL-230

 

ANNUITIES/VARIABLE CONTRACTS

Interest-Indexed Annuity Contracts Model Regulation MDL-235
Charitable Gift Annuities Model Act MDL-240
Charitable Gift Annuities Exemption Model Act MDL-241
Annuity Disclosure Model Regulation MDL-245
Variable Annuity Model Regulation MDL-250
Modified Guaranteed Annuity Regulation MDL-255
Model Variable Contract Law MDL-260
Variable Life Insurance Model Regulation (includes commentary) MDL-270
Suitability in Annuity Transactions Model Regulation MDL-275
Model Regulation on the Use of Senior-Specific Certifications and Professional Designations in the Sale of Life Insurance and Annuities MDL-278

 

VOLUME III

COMPANY ORGANIZATION, MANAGEMENT, SECURITIES

Investments of Insurers Model Act (Defined Limits Version) MDL-280
Derivative Instruments Model Regulation MDL-282
Investments of Insurers Model Act (Defined Standards Version) MDL-283
Disclosure of Material Transactions Model Act MDL-285
Protected Cell Company Model Act MDL-290
Model Act on Custodial Agreements and the Use of Clearing Corporations MDL-295
Model Regulation on Custodial Agreements and the Use of Clearing Corporations MDL-298
Uniform Deposit Law MDL-300

Corporate Governance Annual Disclosure Model Act

MDL-305
Corporate Governance Annual Disclosure Model Regulation MDL-306
Risk-Based Capital (RBC) Model Act MDL-312
Risk-Based Capital (RBC) for Health Organizations Model Act MDL-315
Organization and Ownership of New Insurance Companies MDL-320
Business Transacted with Producer Controlled Property/Casualty Insurer Act MDL-325
Investments in Medium Grade and Lower Grade Obligations Model Regulation MDL-340
Redomestication Model Bill MDL-350
Model Indemnity Contracts Act MDL-356

 

CREDIT INSURANCE

Consumer Credit Insurance Model Act MDL-360
Credit Personal Property Insurance Model Act MDL-365
Consumer Credit Insurance Model Regulation MDL-370
Creditor-Placed Insurance Model Act MDL-375

 

EXAMINATIONS

Model Regulation to Define Standards and Commissioner’s Authority for Companies Deemed to be in Hazardous Financial Condition MDL-385
Model Law on Examinations MDL-390
Participation in the NAIC Insurance Regulatory Information System (IRIS) Model Act MDL-395

 

HEALTH MAINTENANCE ORGANIZATIONS

Health Maintenance Organization Model Act MDL-430
Model Regulation to Implement Rules Regarding Contracts and Services of Health Maintenance Organizations MDL-432

 

HOLDING COMPANIES

Insurance Holding Company System Regulatory Act MDL-440
Insurance Holding Company System Model Regulation with Reporting Forms and Instructions MDL-450

 

INSIDER TRADING AND PROXIES

An Act Concerning Insider Trading of Domestic Stock Insurance Company Equity Securities MDL-460
Regulations Adopted Pursuant to an Act Concerning the Insider Trading of Domestic Stock Insurance Company Equity Securities MDL-480
Regulation Regarding Proxies, Consents and Authorizations of Domestic Stock Insurers MDL-490
Stockholders Information Supplement Schedule SIS MDL-500

 

INSOLVENCY

Risk Management and Own Risk and Solvency Assessment Model Act MDL-505
Criminal Sanctions for Failure to Report Impairment Model Bill MDL-510
Life and Health Insurance Guaranty Association Model Act MDL-520
Property and Casualty Insurance Guaranty Association Model Act MDL-540
Insurer Receivership Model Act MDL-555
Administrative Supervision Model Act MDL-558

 

VOLUME IV

LIFE INSURANCE

Group Life Insurance Definition and Group Life Insurance Standard Provisions Model Act MDL-565
Military Sales Practices Model Regulation MDL-568
Advertisements of Life Insurance and Annuities Model Regulation MDL-570
Life and Health Insurance Policy Language Simplification Model Act MDL-575
Life Insurance Disclosure Model Regulation (includes “Buyers Guide”) MDL-580
Life Insurance Illustrations Model Regulation MDL-582
Universal Life Insurance Model Regulation MDL-585
Model Policy Loan Interest Rate Bill (An Act to Regulate Interest Rates on Life Insurance Policy Loans) MDL-590
Guidelines on Gifts of Life Insurance to Charitable Institutions MDL-601
Guidelines on Corporate Owned Life Insurance MDL-602
Disclosure for Small Face Amount Life Insurance Policies Model Act MDL-605
Life Insurance and Annuities Replacement Model Regulation MDL-613
Life Insurance Multiple Policy Model Regulation MDL-615
Accelerated Benefits Model Regulation MDL-620

 

LIMITED LINES

Title Insurers Model Act MDL-628
Mortgage Guaranty Insurance Model Act MDL-630

 

LONG-TERM CARE INSURANCE

Long-Term Care Insurance Model Act MDL-640
Long-Term Care Insurance Model Regulation MDL-641

 

MEDICARE SUPPLEMENT INSURANCE

Medicare Supplement Insurance Minimum Standards Model Act MDL-650
Model Regulation to Implement the NAIC Medicare Supplement Insurance Minimum Standards Model Act MDL-651
NAIC Model Rules Governing Advertisements of Medicare Supplement Insurance with Interpretive Guidelines MDL-660

 

VOLUME V

MISCELLANEOUS

State of Entry Model Act MDL-665
NAIC Insurance Information and Privacy Protection Model Act MDL-670
Privacy of Consumer Financial and Health Information Regulation MDL-672
Standards for Safeguarding Consumer Information Model Regulation MDL-673
Uniform Fraternal Code MDL-675
Insurance Fraud Prevention Model Act MDL-680
Service Contracts Model Act MDL-685
Interstate Insurance Product Regulation Compact MDL-692
Market Conduct Surveillance Model Law MDL-693
Synthetic Guaranteed Investment Contracts Model Regulation MDL-695
Viatical Settlements Model Act MDL-697
Viatical Settlements Model Regulation MDL-698

 

PROPERTY AND CASUALTY INSURANCE

Insurance Statute—Atomic Energy Exclusion MDL-700
Nationwide Inland Marine Definition MDL-701
Model Risk Retention Act MDL-705
Mass Marketing of Property and Liability Insurance Model Regulation MDL-710
NAIC Anti-Arson Application Model Bill MDL-715
Property Insurance Declination, Termination and Disclosure Model Act MDL-720
NAIC Automobile Insurance Declination, Termination and Disclosure Model Act MDL-725
Collision Damage Waiver Model Act MDL-728
Property and Casualty Insurance Policy Simplification Model Act MDL-730
Personal Lines Property and Casualty Insurance Policy Simplification Model Regulation MDL-731
Nonpersonal Lines Property and Casualty Insurance Policy Simplification
Model Regulation
MDL-732
CGL Extended Reporting Model Act MDL-740
Property and Casualty Actuarial Opinion Model Law MDL-745
Model Regulation to Require Reporting of Statistical Data by Property
and Casualty Insurance Companies
MDL-751
Group Personal Lines Property and Casualty Insurance Model Act MDL-760

 

PROPERTY AND CASUALTY INSURANCE RATING LAWS

Property and Casualty Commercial Rate and Policy Form Model Law (Condensed) MDL-777

 

REINSURANCE

Credit for Reinsurance Model Act MDL-785
Credit for Reinsurance Model Regulation MDL-786
Special Purpose Reinsurance Vehicle Model Act MDL-789
Reinsurance Intermediary Model Act MDL-790
Life and Health Reinsurance Agreements Model Regulation MDL-791
Assumption Reinsurance Model Act MDL-803

 

VOLUME VI

STANDARD NONFORFEITURE AND VALUATION

Standard Nonforfeiture Law for Individual Deferred Annuities MDL-805
Annuity Nonforfeiture Model Regulation MDL-806
Standard Nonforfeiture Law for Life Insurance MDL-808
NAIC Procedure for Permitting Same Minimum Nonforfeiture Standards for Men and Women Insured Under 1980 CSO and 1980 CET Mortality Tables MDL-811
NAIC Model Rule Permitting Smoker/Nonsmoker Mortality Tables for Use in Determining Minimum Reserve Liabilities and Nonforfeiture Benefits MDL-812
Recognition of the 2001 CSO Mortality Table for Use in Determining Minimum Reserve Liabilities and Nonforfeiture Benefits Model Regulation MDL-814
Model Regulation Permitting the Recognition of Preferred Mortality Tables for Use in Determining Minimum Reserve Liabilities MDL-815
Preneed Life Insurance Minimum Standards for Determining Reserve Liabilities and Nonforfeiture Values Model Regulation MDL-817
Determining Reserve Liabilities for Credit Life Insurance Model Regulation MDL-818
Standard Valuation Law MDL-820
NAIC Model Rule for Recognizing a New Annuity Mortality Table for Use in Determining Reserve Liabilities for Annuities MDL-821
Actuarial Opinion and Memorandum Regulation MDL-822
Valuation of Life Insurance Policies Model Regulation MDL-830

 

UNAUTHORIZED INSURANCE

Unauthorized Insurers False Advertising Process Act MDL-840
Unauthorized Insurers Process Act MDL-850
Nonadmitted Insurance Model Act MDL-870
Allocation of Surplus Lines and Independently Procurred Insurance Premium Tax on Multi-State Risks Model Regulation MDL-872

 

UNFAIR TRADE PRACTICES

Unfair Trade Practices Act MDL-880
Model Regulation for Complaint Records to be Maintained Pursuant to the NAIC Unfair Trade Practices Act MDL-884
Model Regulation on Unfair Discrimination in Life and Health Insurance on the Basis of Physical or Mental Impairment MDL-887
Model Regulation on Unfair Discrimination on the Basis of Blindness or
Partial Blindness
MDL-888
Unauthorized Transaction of Criminal Model Act
MDL-890
After Market Parts Model Regulation MDL-891
Unfair Discrimination Against Subjects of Abuse in Health Benefit Plans Model Act MDL-895
Unfair Discrimination Against Subjects of Abuse in Life Insurance Model Act MDL-896
Unfair Discrimination Against Subjects of Abuse in Disability Income Insurance Model Act MDL-897
Unfair Discrimination Against Subjects of Abuse in Property and Casualty Insurance MDL-898
Unfair Claims Settlement Practices Act MDL-900
Unfair Property/Casualty Claims Settlement Practices Model Regulation MDL-902
Unfair Life, Accident and Health Claims Settlement Practices Model Regulation MDL-903
Market Conduct Record Retention and Production Model Regulation MDL-910
Improper Termination Practices Model Act MDL-915
Home Service Disclosure Model Act MDL-920

 

HEALTH CARE REFORM

American Health Benefit Exchange Model Act
MDL-929
Model Language for Choice of Health Care Professional
MDL-930-A
Model Language for Dependent Coverage for Individuals to Age of 26 MDL-930-B
Model Language for Lifetime and Annual Limits MDL-930-C
Model Language for Preventive Services MDL-930-D
Model Language for Prohibition on Preexisting Condition Exclusions for Individuals Under the Age of 19 MDL-930-E
Model Language for Prohibition on Rescissions of Coverage MDL-930-F

 

NAIC GUIDELINES

Guideline for Implementation of Medical Professional Liability Closed Claim Reporting GDL-1077
Registration and Regulation of Third-Party Administrators GDL-1090
Independent Adjuster Licensing Guideline GDL-1224
Notice of Protection Provided by [State] Life and Health Guaranty Association GDL-1525
Guideline for Stay on Termination of Netting Agreements and Qualified Financial Contracts GDL-1556
Financial Guaranty Insurance Guideline GDL-1626

Title Agent Statistical Data Plan Implementation Guideline

GDL-1650
Antifraud Plan Guideline GDL-1690
Automobile Insurance Fraud Guideline GDL-1694
Guideline for Implementation of State Orderly Liquidation Authority GDL-1700
Property and Casualty Model Rating Law (File and Use Version) GDL-1775
Property and Casualty Model Rate and Policy Form Law Guideline GDL-1776
Property and Casualty Model Rating Law (Prior Approval Version) GDL-1780
Property and Casualty Model Rate and Policy Form Regulation Guideline GDL-1781
Guidelines for Regulation and Legislation on Workers’ Compensation Coverage for Professional Employer Organization Arrangements GDL-1950
Guidelines for the Filing of Workers’ Compensation Large Deductible Policies and Programs (Large Deductible Filing Guidelines) GDL-1970